Ngokutyalo-mali Ukuqala kwiminyaka engama-25 Unokuba ngu-Millionaire
Nantsi indlela yokujika i-30K ibe ngamanani asixhenxe ngo-63 ubudala.
Qala ukuTyala imali yokuqala
Masithi kuminyaka engama-25, uqala ukufumana i-$ 30,000 ngonyaka. Ingeniso ye-$ 2,500 ngenyanga, phambi kweerhafu kunye nokuncitshiswa.
Kufuneka ukwazi ukugcina i-$ 458.33 ngenyanga kwaye uchithe enye i-$ 2,000.
Khumbula, eli lizinga lokulondoloza elingaphantsi kwama-20 ekhulwini lakho lemali engenayo ). Ukugcinwa kwakho kweedola ezingama-458.33 ngenyanga kufikelela kwii-5 500 zamawaka ngonyaka. Beka loo mali kwi- akhawunti yaseRoth yomhlala phantsi , eyaziwayo njengeRoth IRA.
Ubeka i-R5,500 zamaRandi ngonyaka kwiRoth kuba oko kukugqithiseleyo ukuba uvunyelwe ukufaka isandla kwiRoth IRA ngonyaka, ngokusekelwe kwimithetho ye-2016. Okwangoku, unokufunda kabanzi malunga neRoth IRA apha.
Unokubeka imali yakho kwingxowa-mali eneenkcukacha ezilawulwa ngokungathandabuzekiyo elandela iDow Jones Industrial Average .
Akukho Nqabile Ngayo
Into ephambili ngokubeka imali kwi-Roth IRA okanye inkcazo yeengxowa-mali ezingabonakaliyo kukuba awukwenzi nto nantoni. Awusenzi ukutyalomali oluphambili. Awukho ukuhweba kwamasuku okanye ukukhethwa kwamasheya okanye ukubheja kwizinto ezinkulu ezilandelayo. Awuyikuqhawula izindlu, ukuqala inkampani, okanye ukuthenga isitoreji kwi-Apple okanye ekuqaleni komhlobo wakho.
Awunakwenza nantoni na eyinkcazo okanye yokuchitha ixesha okanye eyingozi.
Ulandelelwano olubanzi, i-market jikelele nge-fund-indexed index index: uhlobo olulula kakhulu lokutshala imali onokuyenza.
Ubugcisa beNkqutyana
Isibalulekileyo kukuba, awukuthinteli imali yakho. Awunakukurhoxisa. Uvumele nje ukuba uhlale apho, uphinde uhlawulele izabelo zawo, kwaye ujabulele amandla omdla .
Imali yakho ikhula ngama-7 ekhulwini ngonyaka. Ngeminyaka engama-38, ngelixa uneminyaka engama-63, uya kuba neqanda lesidumbu se-$ 1 yezigidi.
Ngokugcina imali engama-458 kuphela ngenyanga, yimalini abanye abantu abayichitha ekuhlawuleni imoto yabo, unako ukukhulisa iqanda leebhiliyoni ezigidi-miliyoni ngelixa uthabatha umhlalaphantsi.
Ukunyuka kwi-Savings yakho
Kuthekani ukuba ufumana i-$ 40,000 ngonyaka? Ngaba unako ukuhlawula imali yakho engaphezulu, kwaye uqale ukubeka eceleni i-$ 600 ngenyanga?
Ukuba ukwenza, uya kuluca umva iminyaka emithathu kwixesha elithathayo lokuba ngumgidi-mali. Kunokuba ube ngumgidi-mali kwiminyaka engama-37, uya kufinyelela injongo yakho kwiminyaka engama-34. Oko kuthetha ukuba unokubhiyozela isimboli sakho sokuzalwa seminyaka eyi-60 xa uqala xa uneminyaka engama-25. Kungekuphela nje ukuba uyothatha umhlala-phantsi njenge-millionaire , uya kuba nako ukuhlala phantsi.
Eninzi Uyakusindisa Ekuqaleni Unokuthatha umhlalaphantsi
Kwii-600 zamawaka ngenyanga, ugcina iipesenti ezili-18 kuphela zeholo lakho elipheleleyo. Ukuba unako ukuhlawula isantya sakho sokulondoloza ngamanye ama-2 ekhulwini, ukuya kwizinga eli-$ 667 ngenyanga, uya kuhobisa enye iminyaka emibini ufike kwixesha lakho. Uya kuba ngumgidi-mali nge-58 ubudala xa uqala ngo-25.
Esi siphumo sisiphumo somdla wekhampani, eli lizwi elichaza intshisekelo yakho kunye neenzuzo zokuqokelela umdla walo.
Ukuba sele uhlala utyalomali, umnqweno ogqithiseleyo usebenza ukukhula kweqanda lakho. Yingakho nawuphi na umtyalo-mali, ovela kuWarren Buffet wehla, uya kukuxelela into enhle ukuqala ukugcina umhlalaphantsi xa uselula.
Umthombo: CNN Money Millionaire Calculator